Services Offered

It is important to have access to thorough advice in regard to one’s Estate, planning and ensuring a problem free estate give you peace of mind about your financial situation. Estate planning typically attempts to eliminate uncertainties over the administration...

Realizing a happy retirement is an extremely extensive process and takes years of sensible preparation. Retirement planning ensures that a client has sufficient assets at retirement. We aim to ensure that our clients meet their financial goals and objectives in...

Investment planning consists of analysing a financial situation and preparing the most appropriate solution to ensure a healthy and attractive growth of capital. We optimise investment portfolios to ensure that portfolios provide the maximum return for the given level of...

Why Choose FDM

We like to pride ourselves in the specific way we conduct business. One of our main objectives is that we would like to work with you in an open and informed partnership. This is only possible if we are honest and upfront:

We will call a spade a spade – if you are financially in a bad space, we’ll give it to you straight up.

We will work with you to get out of that space and get you as close as possible to financial independence.

We will not over-promise and under-deliver – yes, we want to help you earn good returns on your investments, but we have to be realistic about the market.

From day one we will tell you exactly what our service will cost you. We’ll be transparent about our fees with nothing hidden in the fine-print – in fact, we don’t even have fine-print! We also don’t earn any upfront fees or commission for bringing you on as a client.

Our fund manager is dedicated to tracking down the best-performing, sustainable investment funds. We offer a tremendous variety of investment portfolios of the highest quality. This partnership leaves us free to tend to your needs and offer you the best possible advice for your unique circumstances.

Every day we do what we do best, as we have been doing for the past 17 years.

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Get in Touch!

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What Others Say

The day I met Kobie Fernhout more than 25 years ago was a fantastic day. The most important thing I’ve learned over time is to strive for financial independence, rather than saving up for retirement. These concepts are two different things, and financial independence is what FDM has helped me, and my family to achieve.
Over the years FDM assisted us in reaching our financial goals and objectives, which included buying a house, which without them would definitely not have been easy. Even through difficult times we followed their advice, stuck to our long-term investment strategy and came out better off on the other side.
Had I decided 25 years ago not to invest with FDM, our life would probably have been a lot different than it is now. We have complete peace of mind over our finances. I plan to retire in about 2020, and I am completely comfortable with that decision, knowing that I will be able to do so.
I will never hesitate to refer friends and family to FDM, knowing the difference it would make in their lives. Since the late 1980’s FDM has not only been a trusted, long-term financial advisor, but also a life-long friend.
(*Not our client's real name and stock images used to protect our clients' privacy)

Mr Smith*

I started working in the mines when I was 17 years old. I received a scholarship and went to Wits and obtained a mining degree. From then on I was a corporate man and I really didn’t have the time to look after my own assets. I met Kobie Fernhout of FDM in the early 1980’s and even before my retirement in 1990 FDM began managing my assets.
My entire retirement would have been completely different if FDM hadn’t taken control of my investments. As I said, it was difficult to find time to manage them myself. I would definitely not have accumulated what I have accumulated if I had managed them on my own.
Over the past 30 years this has provided tremendous peace of mind for my family and I. I took an early retirement at the age of 56, and thanks to FDM I was able to do so with complete ease, knowing that my family and I were well looked after. Since my retirement I’ve had the best 24 years of my life – we have been able to provide for our family, travel the world and see all the places we wanted to.
There is no doubt in my mind that I am a lot better off than I would have been without FDM. I really don’t believe that one can go it on your own – unless you make a profession out of it. Rather manage your assets to their very best extent through an organisation like FDM.
(*Not our client's real name and stock images used to protect our clients' privacy)

Mr Taylor*

My relationship with FDM started in 1989 when a friend referred me to them. I was due for retirement by then, but once they assessed my finances we realised that I wasn’t in a position to retire yet. I postponed my retirement to 1992 and FDM made sure that the funds that I already had grew the best they could, whilst I would continue to earn an income for three more years to be able to optimize my position for retirement.
The whole experience during the past 24 years has been absolutely wonderful. FDM isn’t just an investment manager, but also a long-time friend. They are always available, helpful at the drop of a hat and their hands-on, friendly approach makes communication very easy.
If I hadn’t crossed paths with FDM my retirement would have looked completely different. I’ve always been sceptical of certain institutions who, in my experience, only want to make money off you. With FDM I learned that there are people who really care and want to make difference in people’s lives.
I have been in retirement for 21 years and to this day we are completely financially independent. We live as we want to live, while staying responsible, and our assets keep growing. We don’t lose any sleep over our finances.
(*Not our client's real name and stock images used to protect our clients' privacy)

Mrs Penny*

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About Us

FDM was established in 1999 and we pride ourselves in the services we have been providing ever since. The experience we have gained over the years makes us confident that we provide our clients with trustworthy and accurate advice regarding their financial position.

Universal Client Needs

Although we offer individual advice we do recognize that clients have universal needs. We are confident that we satisfy these universal needs and define these as:
* Achieving financial goals within acceptable comfort levels
* Advice that is comprehensible and intuitive, but not simplistic
* Solutions that talk to both client preferences and circumstances
* Portfolios that are directly linked to client needs and not just their wealth
* Reassurance that advice received is based on a rigorous theory and practice
* Costs that are reasonable